SEPA
AB05
Timeout at creditor agent
Category: SCT Inst Infrastructure R-type: Return
SCT
N/A
SCT Inst
Applies
SDD Core
N/A
SDD B2B
N/A
Retryable
Yes
Generated by
Creditor/beneficiary bank.
ISO 20022 definition
Transaction stopped due to timeout at the Creditor Agent.
Typical cause
The beneficiary bank failed to respond within the 10-second SCT Inst window.
What to do about it
Retry after a brief interval — an infrastructure/connectivity issue, not an account issue.
Rulebook note
SCT-Inst-specific.
Confidence: high.
Sourced from PaymentBrief's SEPA R-transaction reference article, cross-verified against ISO 20022 external code sets and EPC guidance documents. Reason-code applicability and timing windows vary by rulebook version and bank handling — verify against your bank or PSP before acting.
Full reference
SEPA Return and Reject Codes: The R-Transaction Reference